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Buying a home is one of the largerst investments we'll ever make.  There are many costs that you will incur, especially if this is your first home purchase.  some costs are simply one-time fees while others are recurring...


Besides your downpayment, here is a list of some of the other fees and costs to consider:  

  • Legal Fees
  • HST (if applicable)
  • Property Taxes 
  • Land Transfer Tax
  • Adjustments (reimbursed to the vendor)
  • Utility Payments
  • Strata or Condominium Fees
  • Status Certificate Fee
  • Home Insurance
  • Utility Payments
  • Deed and/or Mortgage Registration Fee
  • Survey Cost (if required)
  • Home Inspection Fee
  • Water Test Fees (Rural Properties)
  • Septic Inspection Fees (Rural Properties)
  • Appraisal Fee
  • Mortgage Application Fee
  • Mortgage broker's fee (if applicable)
  • Mortgage Loan Insurance Premium (if applicable)
  • Mortgage Loan Insurance Application Fee (if applicable)
  • Moving Expenses

Here are some other costs you will incur on a monthly basis not to mention the other day to day expenses involved in owning a home....

  • Mortgage Payment
  • Water
  • Sewage
  • Hydro
  • Gas
  • Cable TV
  • Satellite
  • Telephone
  • Internet
  • Property Taxes
  • Strata or Condo Fees
  • Repair/Maintenance Expenses
  • Homeowner's Insurance

For more information on the costs associated with buying a home, please contact us and we'd be happy to arrange a buyer consulation appointment where we can help to clarify all the expenses involved and make the process of buying a home, a lot less daunting.